Hello Everyone,
Once upon a time, I had an American Express Optima that was my highest limit revolver ($1,500 to start, eventually it went up to $2,500). Unfortunately, my job got outsourced and I burned AMEX. I was blacklisted for a long time.
Fast forward to this time last year. I was finally preapproved for a Green Card, which I took. My membership was dated to when I started out with the Optima (1998) and I was happy making small charges that I PIF each month. I was never pre-approved for a purchase of more than $1,750 and I never had more than a couple of hundred dollars a month in charges.
The other day, I decided to try for the PRG. I thought I would be declined for too many inquiries, but lo and behold, I was approved. Again, it's a charge card, but there's a bonus to this.
I was offered enrollment into the Pay Over Time program, which basically makes it a revolver of sorts at 19.99% APR (they can still decline the charge, of course), which I took. I was offered the same for the Green Card. A couple of months back, I was told I was eligible for this on the Green Card with a $2,000 limit, but I decided to pass.
Immediately after enrolling, I saw that my purchase limits for Pay Over Time were a bit higher than I expected on the two cards:
Green: $10,000
PRG: $20,000
Even though I can't get approved for a revolver with AMEX, I'll take this.
Experian Fico 8 is 724. I have a LOT of inquiries across all three bureaus.
No credit news is good credit news!
Congrats on going Gold! Hopefully by early next year, you should be able to get pre-approval for an Amex revolver! 
Congrats on the approval..... AMEX's underwriting is weird with the Pay over time... I was denied for the Blue Cash Everyday earlier this year... Weeks later I get a $25,000 Pay over time limit added to my PRG
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Congrats!!
Gold is Good!
Congrats on the approval!
Congrats Bizarro! 🎉🎉🎉
Congrats Buddy
i love the title
Sounds like Credit *orn
i love the title Sounds like Credit *orn